Total Assets
$95M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
The First National Bank of Osakis — FDIC Bank Health Profile
Osakis, Minnesota · Est. 1903. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
Nationally chartered (OCC) National Bank FDIC Cert #5221 Kansas City Region
C
Health grade
Fair
Score: 56/100
Basel III capital ratios — The First National Bank of Osakis
Total Deposits
$78M
Customer-funded liabilities
Net Loans
$77M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
11.57% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
11.57%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$9M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.14%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
12.51%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
69.70%
Income & Expense Breakdown
$5M
Interest Income
$277K
Non-Interest Income
$2M
Non-Interest Expense
FDIC Deposit Insurance
The First National Bank of Osakis is FDIC-insured (Certificate #5221). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About The First National Bank of Osakis
The First National Bank of Osakis is an FDIC-insured institution (Certificate #5221) headquartered in Osakis, Minnesota, established in 1903. The bank currently holds $95M in total assets and $78M in customer deposits, with $77M deployed as loans. It operates as a Nationally chartered (OCC) (National Bank) within the FDIC Kansas City region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, The First National Bank of Osakis reports a Tier 1 Capital Ratio of 11.57% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $9M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.14% and a Return on Equity of 12.51%, with an Efficiency Ratio of 69.70% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of C (56/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at The First National Bank of Osakis is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Minnesota by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data The First National Bank of Osakis (FDIC Cert #5221) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSB Minneapolis | $25.3B | A | 3.08% |
| Bridgewater Bank Saint Louis Park | $5.4B | C | 0.99% |
| Frandsen Bank & Trust Lonsdale | $3.7B | B | 1.48% |
| Stearns Bank National Association Saint Cloud | $3.3B | B | 1.85% |
| Minnwest Bank Redwood Falls | $3.0B | C | 0.92% |
| Merchants Bank, National Association Winona | $2.9B | C | 1.23% |
| Tradition Capital Bank Wayzata | $2.6B | C | 0.71% |
| Think Mutual Bank Rochester | $2.2B | F | 0.61% |
Frequently Asked Questions
What is The First National Bank of Osakis's health grade? ▼
The First National Bank of Osakis receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is The First National Bank of Osakis? ▼
The First National Bank of Osakis holds $95M in total assets and $78M in deposits. It is headquartered in Osakis, Minnesota.
Is my money safe at The First National Bank of Osakis? ▼
Yes. The First National Bank of Osakis is FDIC-insured (Certificate #5221). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is The First National Bank of Osakis's Tier 1 Capital Ratio? ▼
The First National Bank of Osakis has a Tier 1 Capital Ratio of 11.57%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is The First National Bank of Osakis? ▼
The First National Bank of Osakis has an Efficiency Ratio of 69.70%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.